KET QUA NGHIEN COU DAO TAO SAU DAI HOC CAC NHAN TO ANH HL'ONG ©EN Y DINH THAM GIA BAO HIEM XA HOI TU NGUYEN CUA NGUOI LAO DONG KHU Vy^C PHI CHINH THt C TAI TLNH PHU YEN THE FACTORS AFFE
Trang 1KET QUA NGHIEN COU DAO TAO SAU DAI HOC
CAC NHAN TO ANH HL'ONG ©EN Y DINH THAM GIA BAO HIEM XA HOI TU NGUYEN CUA NGUOI LAO DONG KHU Vy^C PHI CHINH THt C TAI TLNH PHU YEN
THE FACTORS AFFECTING THE INTENT TO PARTICIPATE
I OL CMARYSOCIAL INSCIt4NCE OF WORKERS IN CNOFFICIAL SECTOR
A T PHI YEN PRO J INCE
Trmmg Thj Phiecmg', \guyen Thi
Hien-Nga\ nhan bai: 20 02 2013, Ngay phdn bienlhong qua: 22 4 2013 Ngay duy?t dang; 15 5 2013
TOM TAT
Ket qua nghien aiu ve cdc nhdn to dnh hudng den y dinh tham gia bdo hiem xa hdi tu nguyen (BHXH TN) cua nguai lao dpng khu vuc phi chinh thirc (NLD KVPCT) tgi tinh Phu Yen dd giup hinh thdnh mo hinh ngbien citu phu hgp Omo hinh nghien ciru ndy gom nhiing thang do cd do tin cdy giup do ludng thdnh phdn cdc nhdn id vd y dmh tham gia bdo hiem
xd hgi tfr nguyen a Phu Yen Tdt cd nhiing ket qud ciia nghiin cuu da chi ra dugc muc dg quan trong hay ihii tu uu tien cua cdc nhdn td dnh huang din y dinh Iham gia BHXH T\ cua ngirdi lao dgng khu vuc phi chlnh thuc Ngodi ra, nghiin cuu ndy con gdp phdn vdo h^ thong thang do cdc nhan to dnh hudng den y dinh tham gia BHXH TN tai ti'nh Phu Yen ndi rieng, Viet Nam noi chung Vd kit qud nghiin ciru ndy Id ca sa de cdc nhd hogch dinh chinh sdch dua ra nhOng chinh sdch phu hgp dephat trien BHXH TN trong tuang lai
Tit khda' bdo hiem \d hoi tu nguyin nguai lao dgng khu virc phi chinh thuc
ABSTR-^CT
Research results alout the factors affecting the intent lo participate voluntary social insutance of workers in unofficial sector at Phu Yen province ha\e helped to a shape model which fits a real This research model inclides the trusted measurements which helps measure composition of factors and intend to participate in voluntary social insurance
at Phu Yen province All the results ofthe study showed the importance or the priority of the factors affecting the intent to participate in voluntary social insurance ofnorhers m unofficial sector In addition, this study also contributes to the system scale of factors affecting the intent to participate in voluntary social insurance at Phu Yen province in particular and Vietnam in general And, Research results make basic for policy makers to make appropriate policies for social development voluntary social insurance in thefiiture
Keywords: voluntary social insutance, workers in unofficial sector
I D A T V A N D ^ hiem an t o i n cho cd nhdn vl the eung lang len
Xa hpi cdng phit triin, nhu d u cupe s i n g cua dae biet la nhirng NLD KVPCT Lao ddng trong con ngudi c i v i vgi c h i t v i ttnh t h i n cdng da khu vyc nay Id nhung ngudi lao ddng vira Idm dgng vd phong phu, nhtrng kha nang riii ro xa hpi chti l u lieu s i n x u l l vira Idm ehu sue lao dgng,
d ehieu hudng gia tang Do do nhu d u ve bdo nhung trinh d i to chtrc san xult kinh doanh cua
' Tnrong Thi Phuvng' Ldp Cao hgc Quan tri kinh doanh 2009 - Tnrdng Dai hoc Nha Trang
' TS Nguydn Th| Hien Tardng Dai hgc Nha TfBng
Trang 2hp cdn lac h i u , lao dpng thii cdng, lao ddng thti
cdng l i chinh, nang s u i t lao ddng chua eao Do
dd, thu nhip eua hp thudng thip vd chju nhieu
rill ro nhu thien tat, djch hpa lai nan lao dgng
viee Idm khdng i n djnh, Chinh vi vdy, viec fiip
can tdi mgng ludi an sinh xa hdi thdng qua v i i c
tham gia BHXH TN la nhu d u d p bach doi vdi
ngudi lao dgng Idm vige lai khu vyc phi chinh
thue Cd the n i l , BHXH TN l i mpt chinh sich mdi
mang day tinh nhdn van xa hot, md ra co hit cho
ngudi lao dpng khu vye phi chfnh thuc gta nhdp
vdo ludi an sinh xa hpi gitip cho ngudi dan giam
bdt ganh ngng khi luoi g i i , i m dau, riji ro, t h i t
nghiep tir l u l l Tuy nhien t u khi Luat BHXH ra
ddt v i cd higu luc nam 2007 trong dd rieng BHXH
TN dupc i p dyng tir nam 2008 eho d i n nay, s i
ngudi tham gia BHXH TN v i n cdn r i t t h i p chua
dap trng dupc nhu d u cOa ngudi lao ddng khu
vye phi ehfnh thuc, eung nhu djnh hudng ciia
Dang, Nha nude Nguyen nhan dupe ndu Idn Id
do ngudi lao ddng ehua xem BHXH Id mpl nhu
d u d p thiit trong cupc song Ngudi lao dpng
cd Ihu nhgp thip, chua quen vdi viec tieh Itiy bet
kigm dy phdng eho tuong lai Diiu kien ve thdi
gian duac hudng ehe do khi Iham gia BHXH TN
dat hon so vdt tham gta BHYT Cong tdc chi dao
tuyen tmyen vdn ddng nhan dan tham gia BHXH
TN eiia ngdnh BHXH chua phit huy higu qua <" Xult phdt ttr nhirng ly do n i u t r i n v i i c fien hdnh nghidn cuu nhim x i e dmh, phan tich danh gid cdc nhdn t i dnh hudmg d i n y djnh tham gia BHXH TN cua ngudi lao dpng khu vyc phi chinh thuc tgi tfnh Phil Yen la v i n de d p thiet dgt ra
II C a S d LY THUYDT VA PHl/aNG PHAP NGHIEN CCrU
1 Cdc khai niem
Ge do ludng ddnh gid y djnh, hdnh vl tham gia bdo hiem xa hpi t y nguyen cua ngudi lao ding khu vyc phi ehinh thuc, de l i t n i y tiep can tim hiiu nghien ctru vd vgn dyng cdc ly thuyit,
md hinh v i hdnh vi nhu: i y thuyet ve hanh vl ngwCri tieu dung; Ly thuyit vi thdi dp bao gdm cdc mo hinh: Mo hinh thdi do ba thdnh phin cua Schiffman vd Kanuk (1987); Mo hinh thdi do dan thdnh phin, Mo hinh thai do da thugc tinh duac FIshbein va Ajzen nam 1975; Mo hinh hgc thuyet hdnh dQng hap ly TRA cua Ajzen va FIshbein, 1987; Mo hinh hanh vi di/ dinh TPB cua Ajzen, 1991"' Ddng thai da v$n dung, tham khao cdc nghien CLFU gin day vd y dinh hanh vi (t Viet Nam
Cy thi, theo tac gia y dinh tham gia bao hiim xa hgi ttf nguyen ditoc cdu thdnh bai 6 nhan td chinh nhir mo hinh sau ddy:
Nhan thurc tinh ASXH ciia BHXH TN
Anh huang x3 hpi
Hieu bidt ve BHXH TN
Thu nhap
Truyen thong
-M Y dinh tham gia BHXH TN
Hinh 1 Mo hinh cic nban t6 inh hirang den y dinh tbam gja BHXH TN cna M.B KVPCT tai tinh Phu Yen
Phil hpp vdi c:ic djnh nghTa khdi nigm neu fren,
cac chl bio do ludng v i loai Ihang do sir dung dupc
cho d bing 1 S i d c chi b i o do ludng moi khdi
nigm it nhit Id 3 va nhiiu n h l l Id 5, the hign dupe tinh bet kigm Tiep can t i l vdi cac khfa canh frong nghien ciru Ihyc nghigm
Trang 3Bang 1 Cac k h i i ni$m va chi bao su< dung trong mo hinh nghien ciPU
C&c ky hi$u chi b i o | Cac chi t>ao do liramg cdc khai ni^m
Nhdn t i Truyen thong
TRTH0NG1
TRTH0NG3
TRTH0NG5
TRTH0NG6
TRTHONG8
Theo Anh/Chj d n g tae luyen fruyin v l chfnh sdch BHXH TN cua Nha nude da d i n dupe
da so ngudi dan
Anh/Chj da dupc nghe noi ve BHXH TN thing qua bdo, loa phdt frianh d T i , Thdn, Xdm; ddi phdt Ihanh, truyen hinh
Anh/Chj hteu ve BHXH TN Iir cae l i chuc Hpi Dodn the d dja phuang
Theo Anh/Chj trong cac buoi sinh hoat eua cic To chuc, hpi ddt, nhdm, dodn the, mat tran, t i , thdn, xdm nen long ghep chuong trinh tuydn truyen ve ehinh sich BHXH TN d i ding ddo ngudi dan dupc bilt
Anh/Chj nghT edc can bd eita cdc To ehue, hii ddi, nhdm, dodn the mat trgn, to ehue minh
Nhan toThu nhgp
TNHAP1
TNHAP3
TNHAP6
Theo Anh/Chj viee Idm khdng on djnh Id nguyen nhdn ddn den khi nang tham gia BHXH
TN ggp khd khin
Mirc phf t i i thieu trong khung phi ddng BHXH TN hign nay la eao so vdi thu nhgp Ihyc
te ciia Anh/Chj
Neu dupe Nhd nude h i trp them mdt phin mirc phi tham gia BHXH TN thi Anh/Chj se tham gia
Nhgn thu>c ve tfnh ASXH ctia BHXH TN
NTASXH3
NTASXH4
NTASXH6
Anh/Chi cd eho rang hien nay, tam ly da s i ngudi lao ddng tu do ehi lo trang trit nhi/ng viic trudc mit hoae chi tieh Itiy bing hinh thire nhu ia:gdi ngdn hing s i m ving, mua tdi san hon Id vigc tham gia mua BHXH TN eho luong lai
Anh/Chj c i nghT ring ein thiet phdi eo mit nguon thu nhgp on djnh vd dupc chim sde
y te (bio hiem y t i ) khi tuii gid de cudc sing dupc dam bao ding thdt giam bdt ganh ngng cho con chau kht het tuoi lao dpng
Anh/Chj cd cho ring tham gta BHXH TN Id mang lat sy an tim v i ty tin trong euie song ding thdi ndng eao gid Irj cua ban than
Nhan t i Hieu biet ve BHXH TN
H BIETI
HBIET2
HBIET4
Anh/Chi hieu rd nhirng dieu khoan quy djnh trong Lugt BHXH TN (dg tuoi, mirc phi, Ihit tyc ddng ky, )
Anh/Chi d cho ring qui djnh thdi gian tham gia BHXH TN t i i Ihtiu tir 20 ndm trd len thi dupc hudng c h i d i huu tri hdng thing l i edn ehua hpp ly
Anh/Chj da b i l l ve sy lien thdng (cpng noi) giira BHXH bat bude vd BHXH TN.(nghTa i i dang tham gia BHXH b i t bupc nghi vtec thi cd the tham gia BHXH TN v i ngupc igi) Nhdn to Thdi d$
THAID01
THAID02
THAID03
Anh/Cht Ihly tham gia BHXH TN Id viee d n thiet nen Idm,
Tham gta BHXH TN Id viec Idm hodn todn dting d i n
Anh/Ch| Ihly bn cdy v i o c i e quyen Ipi m i ehinh saeh BHXH TN mang lgi
Nhdn to Anh hird'ng xa hpi
AHXH1
AHXH2
AHXH4
Bgn bd, dong nghiep, ting h i khuyen khich Anh/Cht tham gia BHXH TN
NhO'ng ngudi thdn trong gia dinh cd itng hp Anh/Chj trong vigc tham gia BHXH TN Nhirng ngudi da v i dang hudng ehe do BHXH da t i c ddng den y d|nh tham gia BHXH
TN eita Anh/Cht
Trang 42 Doi tippmg nghien cihi
DC» trpng nghiin dm: NLD d KW»CT ^lao gim:
ngirdi chua Iham gia, ngudi dang ddng BHXH TN) tgi
Phit Yen fren 15 tuii, d dti ndng lye de tra ldi cac
cau hoi dieu fra De tat ^ thu thdp mot m l u dai dign
bdng phucmg phdp thu mau thuan ben gim 341 ngirdi
lao ding frong khu vyc phi chinh thtre lam co sd
nghien ctru Pham vi nghien ctm: NLD d KVPCT tren
dia bdn finh Phu Yen, thdi gian nghien dsu: 6 thang
3 Phuvng phap nghien cuu
Nghien cuu ndy dupe thye hien thdng qua
2 budc chinh: Nghien ctru so bp dupe Ihuc hign
bing phuang phdp nghien ciru djnh tfnh vdi ky
thual ttiao luan nhdm vd phong van lhi> Muc d i d
ctia nghien ctiu ndy diing de dieu chinh va bo sung
Ihang do cdc nhdn l i dnh hudng din y dinh tham gia
Bang 2 Ma tran d i e
BHXH TN Nghien cuu chinh tht>c dupc ttiyc hien bing phircmg phdp nghien cuu djnh lupng Dung ky thudt thu friap ttidng tin fryc tiip bdng c d d phong vffli ngudi lao dw»g khu vyc phi chinh ttiirc chua hogc
da hJng ttiam gia bao hiem xa hpi tgi tinh Phti Ydn Thing bn ttiu ttiap dupc se dupc xt> ly bing phin mem SPSS 16.0 Thang do sau khi dupc dinh gia bing phucmg phap phan Hch nhdn l i khdm pha ERA ddnh g i i dp tin cay dya vao he so Cronbad's alpha, kiim djnh m i hinh gid ttiuyet vd cac gia ttiuyit de
x u l l dya vdo phuong phap mo hinh d u frOc SEM
IM K^r QUA NGHIEN CCTU Ket qud phan tfch nhan t i khdm phd (EFA) va
d i bn egy Cronbach's alpha dupe cho d t)ang 2 (Cac trgng s i < 0.50 bj loai t)0 khoi tiang) trung cua cac nhan to
Cac khai ni^m
Truyen
thong
Thu nhap
^dinh tham
glaBHXH
Nhan thipc
tinh ASXH
cua BHXH
TN
Anh huvng
xa hgi
Hieu biet ve
BHXH TN
Thai do
C i c chi b ^
TRTH0NG1
TRTHONG5
TRTH0NG8
TRTH0NG6
TNHAP1
TNHAP6
TNHAP3
YDINH3
YDINH2
YDINH4
YDINH1
NTASXH6
NTASXH3
NTASXH4
NTASXH2
AHXH2
AHXH4
AHXH1
HBIET1
HBIET2
HBIET4
THAID02
THAID01
THAID03
Cac nhan t c
1
.900 .867 .690 .671
2
.929
870 .777
3 1 4
.820 .812 .723 .539
0 841 0.839 0.617 0.509
5
.845 .814 .753
6
.802 .775
7
.733 .718 .631
Cronbach's alpha
.878
.898
.842
.756
.847
.824
.749
Ttr bdng 2, ta thiy cd ting d n g 7 nhan to
dupc rdt ra dung nhu mong dpi ctia nghien cuu
nay cae chi bdo do ludng h i i tu frdn nhQng khdi
v i cae g i i tri trong so nhdn to deu Idn ban 0,5
Ben egnh do edc he s i Cronbach's alpha ctta cd
7 thang do d e khdi nidm deu Idn hon 0.70, dilu eho phan tich tiep theo D i phdn tich tdc ding eiia c i c bien doc lap den sy h i i Idng, su dyng AMOS 18 0 kiem djnh cdc quan h i d u tnjc frong
md hinh de xuaL
Trang 5B i n g 3
Bi4n d^c l9p
1.NT
2.TD
3.XH
4.HB
5.TN
6.TT
K i t qua k i i m djnh cdc quan he cau trdc trong m i hinh
Gia thiet
HI
H2
H3
H5
H6
Ket lu|n
Ong hp Ung hp Ung h i Ung h i Cing h i Onghp
nghien ci>u de xuat
He so ciu Injc Ktiong chuan hoa
0.191 0.083 0.170 0.143 0.223 0.386
Chuan h6a
0.217 0.104 0.145 0.156 0.322 0.375
Thong Ite t
3.6"*
2 2.6
3 1 " 6.3"*
5.8"-Bi&n phu ttiuQC Y finh ttiam gia BHXH TN P? = 63.1 %.p<0 05: "p<0 01 :'"p< 0.00-1
Hinb 2 Scr do dinmg dan chuan
Ket qua ude lupng md hinh eau true tnang bang
3 d fren da chi ra ring, d 6 nhdn t i deu cd anh
hudng duang den y djnh tham gia BHXH TN cua
NLD KVPCT vdt muc y nghTa thong ke p < 0.05 VI
vgy, kit qua da ung hp t i t d cac gid thuyet d i xult
d a d i tdi Cy t h i thanh phin Tnjyen ttiing" ed anh
hudng manh nhit vdi hg so t i e dpng chuin hoa 0.375
(t = 5.8, p < 0.001) Tiip den Ihdnh phan "Thu nhgp"
d tim quan frpng thir nhi vdi he so t i e ddng 0.322
(t = 6.3 p < 0 001) Sau dd Id thdnh phin "Nhan ttiue
tfnh ASXH cua BHXH TN" cung d ding gdp khi ldn
den ^ i^nh tham gia BHXH TN d a ngudi lao ddng
h^ so tdc dpng chuin hda 0.217 (t = 3.6 p < 0.001)
Thanh phan "Hieu biet ve BHXH TN" cd ddng gop
p<0.01) Hai thanh phin d n Igt, "Thii dd", vd "Anh
tie ding luong duong nhau Iln lupt bang 0.104 vd
0.145 (t = 2 vd 2,6 lan lirpt p < 0.05) Sau cung, d c
nhdn t i glai ttiich dupe 63.1 % bien"? dinh"
IV K t T LUAN VA K l t N NGHj
I K l t l u f n
Mye tieu etia d i tdi Id nghien euu cde nhdn t i
dnh hudng d i n y djnh friam gia BHXH TN ctia NLD
KVPCT tgi Phu Y i n O i gidi quyet mye beu ndy tdc
cac quan bf ci
gta da tien hinh nghien etru, dinh gta mdt d e h ting quan ve thye Irang tinh hinh lao ding hogt ddng sdch BHXH TN eho NLD d Phii Yen trong thdi gid thuyet de xult dya v i o phuong phip md hinh phuang trinh d u tnic (SEM) vi vay cho phep kiem soit dupc cde sai s i cung nhu xdc dinh dupe mii quan hg giira c i c thdnh phan trong y dinh hdnh vi (Nguyin Dinh Thp va Nguyin Thj Mai Trang, 2003; deu dupc iing ho bdt dtr lieu dieu fra Ihyc te dya tren mit mau dat dign 341 NLD KVPCT lya chpn ngau nhien theo don vj hdnh chlnh lgi tinh Phit Yen
Vi vay, d i tdi niy ed nhirng ding gdp nhit djnh ve phuong Qua do, de t i i niy da xde dinh mdt cich rd rang t i m quan frpng ctta ttrng thdnh phan Cy the ttieo kit qua phin tfch thanh phan "Truyin thdng" gitr vai trd quan trpng nhit, tiep den Id "Thu nhap",
"Nhan thirc v i tinh ASXH cua BHXH TN", tiip sau
"Anh hudng xa hdi" co tam quan trpng nhd hon va cuii eung l i thanh phan "Thai do" Oieu niy cd y nhim ning cao hon ntra y" djnh tham gia BHXH TN
Trang 6Tgp chi Khoa hoc - Cong nghe ThOy sdn
tien d a eac giai phdp nhim myc tieu Id dira chinh
gop ptian bao dam ASXH d a dia phuong ndi rieng
va cua d nude ndi chung Cy t h i :
E)6i vdi thanh phdn Truyin ttidng": tdc gia se lgp
bung vao cac giai phap de phdt t r i ^ nang cao etilt
lupng cdc hinh ttiuc truyen ttiong (kenh fruyen ttidng)
D i i vdi ttianh phin "Thu nhap": t i e gid d u
trpng vao vigc dua ra nhtrng giai phip kinh t l de d i
OCT hpi dupc g'la nhdp vdo ludi ASXH
£>oi vdi eac thanh phdn "Nh&i Ihuc ve tinh
ASXH d a BHXH TN" Thai dp' va 'Anh hudng xa
hdr: tdc gia dua ra giai phap nang cao nhgn ttnjc
fruyin ve BHXH TN
€)ii vdi ttidnh phin "Hieu b i i l v i BHXH TN': Id
nhdm giai F ^ P v i mat luat phap la h d n thien c^inh
saeh phdp luat ve c h i do BHXH TN
2 Kien nghj
Dac diem d a lao dpng KVPCT la khdng ndm
frong to ehue kinh t l cd tu each phdp nhan (doanh
nghiep) ma chu y i u Idm frong eac hd gia dmh (nhdt
la d nong ttidn), dp phan tan cao ttitrong xuyen di
ttiu nhdp ro ring Do dd viec bip cdn BHXH TN Id
true tiip Bdi vay, n i u khing tao dieu kign thuan ten
tham gia BHXH TN la r i t hgn che Od tdi ndy mudn
dua ra mpt so kiln nghj nhu sau:
77ii> nhdt Nganh BHXH d n chii frpng vd d t i
dpng phoi hpp vdi cde d p eae nganh lien quan
trong viec phit tiien tinh vyc truyin thdng v i BHXH
TN d ve so lirpng va chat lupng ding thdi ddu t u
kinh phi hpp ly ctio finh vyc nay
TTJU ba/; Cd sy phdi ket hpp ldng ghep rfiucmg
tiinh BHXH TN vdi cac chuong frinh muc tieu khac
Mat khac Nhd ntrdc d n ptidl xay drnig Id trinh
hoach djnh nguon ngan sach de ho tipr mpt phdn phi tham gia BHXH TTJ cho mpt s i nhdm d ^ f p n g
-Thif ba: Nha nudi; d n nghien ci>u sau va ky
ludng ttiong ke day dii tiiong tin v l KVPCT d i d chinh sach BHXH TtJ phu hpp cho khu vuc nay
Thif tir Xay dyng chinh s a d BHXH TN phu
hpp cho lao dpng fren 45 tuoi vdi nam vd fren 40 tuoi vdi nt> tao didu kien de hp dupc ttiam gia vao ludi ASXH gdp phin md rpng dupc dp bao phii
d a chinh sach BHXH TN do d dp frjoi nay, ngudi lao dpng chii y nhiiu hon den cupc swig khi v l gia
va tilm lyc tai chinh d a nhirng lao dpng nay cung tot hon do khdng cdn phai ehi phi nhieu cho nudi dgy con cai ma cdn la budc khdi dau cho qua frinh chuyen doi md hinh BHXH toa ttiu toa d i nhu h i ^ tien tdi hinh thdnh mot he tti&ig BHXH cdng bdng, diem d a he ttidng BHXH hien hdnh
Thvndm: Tang cudng cdng lac thanh tra kiem
tra, p h ^ hpp viec trien khai to chirc tiiyc hien chinh
s d d BHXH TN Id dd kip tiidi dua ra nhirng chinh
s a d giai quylt phti hpp thiit Ihyc vdi ngudi ddn lao dpng d i Igo diiu Iden ttiuan Ipi khi ho tbam gia BHXH TN nham tiin ten BHXH cho mpi NLD
ThiJ sau: Nha nude d n phai dua ehi tieu cdng
tac thye hien chinh sach BHXH TN vdo d e ttidng
ke, bdo cdo, tong hcrp theo ky thing, quy, nam tir
d p tinh xuing ex? sd vd phdi xem nd Id mot chi lieu ttii dua nhu cac d i i tieu kinh l l xa h i i khdc
Cudi cung: Nganh BHXH d n md rgng d c dgi
tf thu BHXH TN tang eudng dpi ngu d n g t i c vien
BHXH d i n d p huyen xa, phudng tiii tran nhdm gia BHXH TN d a ngtrdi dan Ddo tao t>di duong
dpi ngu can bp Idm cAng tac BHXH, dpi ngu cdn bp dgi ly theo pitong each hirdng phuc vu d i i tupng
gira ve chuyen mrai nghiep vy nhiet huylt va cd tam vdi nghd nhim xay dyng thtrong hieu BHXH trong Idng ngudi ddn
iam 2006
a I d ^ nghi Tap c|]i kinh tk v dubao So 15
TAI LIEU TRAM KHAO
Tung Viet
1 Qu6c hgi, (2006), Luat Bao hiim xa hgi, S6 71/2006/QHl 1 ngay 29 Ihang 6
(431), thing S nam 2008
3 Nguy&i Knh Thp, Nguyan Thi Mai Trang (2007)., Nghim ctiu khoa hoc MaikctiDg, NXB Dgi hoc Qu6c ^a TP H6 C3ii Minh
4 Hoang Trpng, Chu Nguyen Mong Ngpc (2005) Ptian tidi dii lieu nghien cihi vai SPSS N"XB ThSng Ke
5 Ho Huy Tgu, Duong Tri Thao (2007) Hanh vi tieu diii^ ca: Vai tro cua cac nhau td xa boi Tap chi Khoa hoc va Craig n ^
Thuy san, Truong Dai hgc Nha trang, S6 3,18 - 28
6 http JiiatTTiinhkhiiff vn;lwn-hipTrvhan-hipm-Ta-lMii-phi.i:hinh-rhiir-o-viet-nain-thiir-tr3ng-va-kipi)-ng^i j\spK
Tieng Anh
7 Ajzeii,L,(l991),T1)etbeoiyofplamiedb^iavior,OFgaiiizationalBefaavioTaDdHunianDecisiooPFocess,50 179-211
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